CITI REWARDS CARD

Remarks:
^{^}All Wallet Transactions are entitled to 5X Points, which include the basic spending reward of 1 Point and the extra 2 Points awarded under "Citi Rewards Card 3X Points Program" and the extra 2 Points awarded under "Citi Rewards Card 2022 Extra 2X Points for Wallet Transaction". The extra points will be capped at 50,000 Points for each Eligible Card account per statement cycle (inclusive of "3X Points" Program and "Citi Rewards Card 2022 Extra 2X Points for Wallet Transaction"). "Citi Rewards Card 2022 Extra 2X Points for Wallet Transaction" will be valid from March 1, 2022 to September 30, 2023.

^*All Mastercard contactless and payWave Transactions are entitled to 3X Points, which include the basic spending reward of 1 Point and the extra 2 Points awarded under "Citi Rewards Card 3X Points Program". The extra points will be capped at 50,000 Points to each Eligible Card account per statement cycle.

^#All Quickpass Transactions are entitled to 10X Points, which include the basic spending reward of 1 Point and the extra 2 Points awarded under "Citi Rewards Card 3X Points Program" and the extra 7 Points awarded under "2022 Citi Rewards UnionPay Card Extra Bonus Points". All UnionPay QR Code Transactions and Online Retail Transactions are entitled to 10X Points, which include the basic spending reward of 1 Point per HK$1 charged and the extra 9 Points awarded under "2022 Citi Rewards UnionPay Card Extra Bonus Points". The extra points will be capped at 50,000 Points for "3X Points" Program and capped at 70,000 Points for "2022 Citi Rewards UnionPay Card Extra Bonus Points" for each Eligible Card account per statement cycle. "2022 Citi Rewards UnionPay Card Extra Bonus Points" will be valid from April 1, 2022 to September 30, 2023.

^~UnionPay International Co., Ltd is the sole offer provider and reserves the right to amend the Terms & Conditions without prior notice. Citibank shall not be responsible for any matters in relation to the related products or services.

General Terms and Conditions:

1. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
2. If Cardholders have subsequently cancelled / reversed any transactions in respect of which offers are rewarded, Citibank reserves the absolute right to charge the equivalent value of such offers directly from the Eligible Card account without prior notice.
3. Cardholders must maintain valid Eligible Card accounts with good credit record in order to be eligible for the offers. In case there is any fraud / abuse, Citibank reserves the absolute right to charge the equivalent value of the offers rewarded under these programs directly from the Eligible Card account without prior notice, forfeit the Cardholder's eligibility to be entitled to the offers, and/or suspend the Eligible Card account for investigation without prior notice.
4. Availability of the offers is subject to offer or service availability, account status checking and final acceptance by Citibank and the respective merchant's absolute discretion.
5. Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
6. Citibank and the respective merchants reserve the right to amend the terms and conditions without prior notice.
7. All matters and disputes are subject to the final decision of Citibank.
8. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Terms and Conditions for Points Accumulations and Redemption

1. Cardholders of Citi Rewards Card will be awarded 1 Point per HK$1 (or equivalent foreign currency) charged. Cardholders of Citi Rewards UnionPay Card will be awarded 1 Point per HK$1 (or equivalent foreign currency) charged in the HKD account or CNY1 charged in the CNY account. Citibank reserve the right to change at any time and without prior notice the ratio between
   (a) Point(s) to be awarded; and
   (b) the specified amount charged to the Eligible Card account.
2. For Citi Rewards UnionPay Card, all Points are accumulated under the HKD Account.
3. Unless otherwise specified, all Points earned by the principal and supplementary Cardholders of the same Eligible Card will be accumulated under the principal Cardholder's account.
4. Unless otherwise specified, only principal Cardholders are eligible for Points redemption.
5. Invalid transactions not eligible for Points include, but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Quick Cash Installment Program, “FlexiBill” Installment Program and “PayLite” Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, transactions through Faster Payment System (FPS) Service, "Dynamic Currency Conversion transactions", i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, or unposted /cancelled /refunded transactions.
6. For Citibank Credit Card accounts denominated in CNY, invalid transactions incurred in Mainland China (excluding Hong Kong and Macau) not eligible for Points include, but are not limited to, properties, automobile, wholesales, air tickets, fuel, supermarkets, hospitals and schools, and other charges designated by Citibank from time to time.
7. Citibank may add to, or remove from, the list of invalid transactions as stated in Clauses 5 and 6 above from time to time at its discretion. The decision of Citibank as to what constitutes an invalid transaction shall be final and conclusive.
8. Points earned on Citi Rewards Card are evergreen.
9. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the Points earned in respect to those transactions will be deducted or cancelled.
10. Reward points reversal will be applied in the statement cycle when reversal transaction is posted which differ from the statement cycle of corresponding purchase transaction. Accelerated/bonus reward points will be awarded only if cumulative value of new purchase transactions in the respective spend category is higher than the value of transactions reversed.
11. Citi ThankYou Rewards Terms and Conditions apply for all Points related offers. Please visit https://www.citirewards.com/cms/sites/globalrewards-hk-eng/terms-and-conditions.page

Terms and Conditions for "Citi Rewards Card 3X Points Program"

1. The "3X Points" Program is valid from January 15, 2021 until further notice (based on the transaction date).
2. “Contactless Payments” refer to retail transaction made with the Eligible Card in Hong Kong Dollars via contactless payment methods as determined by the Bank from time to time, including Apple Pay, Google Pay, Samsung Pay, Mastercard contactless, payWave and QuickPass in Hong Kong.
3. All Contactless Payments are entitled to 3X Points for which 3 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point and the extra 2 Points rewarded under this program ("the Extra 2X Points").
4. The Extra 2X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle.
5. Ineligible Transactions including but are not limited to, transactions through Faster Payment System (FPS) services, Octopus Add Value Service transactions (including via e-wallet/ other method to top up Smart Octopus),  cash advances, withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, “FlexiBill” Installment Program and “PayLite” Installment Program and Quick Cash Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill / insurance transactions made with Eligible Card via internet banking or online payment system, all payments made using “Citi PayAll Service”,  mutual funds payment, fees & charges, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
6. Citibank may add to, or remove from, the list of ineligible transactions as stated in Clause 5 above at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.
7. Unless otherwise specified, all Extra 2X Points earned by the principal and supplementary cardholders of the same Eligible Card will be accumulated under Principal cardholder’s account. All Eligible Transaction made through Principal and Supplementary cards under the same Eligible Card Account will be combined.
8. Extra Points will be credited into the Eligible Card account in 3 months after the transaction is posted.

Terms and Conditions for "Discounts on Coupon Redemption Rate" Program:

1. The "Discounts on Coupon Redemption Rate" Program is valid from January 1, 2016 until further notice (based on redemption date).
2. In order to enjoy the privileged redemption rates of designated coupons ("Offers"), Cardholders shall redeem the coupons online by logging onto the Citi ThankYou Rewards with the Eligible Card and required Points shall be deducted from the Eligible Card account(s).
3. The Offers are available on a first-come-first-served basis while stock lasts. Any changes of the Offers will be subject to the availability of coupons at the time of redemption.
4. The use of the coupons is subject to the terms and conditions stipulated by the respective merchants.
5. Photos, product specifications and prices are for reference only.

Terms and Conditions for Citi Rewards Card 2022 Extra 2X Points for Wallet Transaction:

1. Unless otherwise specified, the promotion period is from March 1, 2022 to September 30, 2023 , both dates inclusive; based on the transaction date ("Promotion Period").
2. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
3. All Wallet Transactions are entitled to Extra 2X Points for which 2 Points will be rewarded for every HK$1 charged within Promotion Period. “Wallet Transactions” refer to retail transaction made with the Eligible Card in Hong Kong Dollars via wallet payment methods as determined by the Bank from time to time, including Apple Pay, Google Pay and Samsung Pay in Hong Kong.
4. The Extra 2X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle (pooled with "3X Points" Program).
5. Ineligible Transactions including but are not limited to, transactions through Faster Payment System (FPS) services, Octopus Add Value Service transactions (including via e-wallet/ other method to top up Smart Octopus),  cash advances, withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, “FlexiBill” Installment Program and “PayLite” Installment Program and Quick Cash Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill / insurance transactions made with Eligible Card via internet banking or online payment system, all payments made using “Citi PayAll Service”,  mutual funds payment, fees & charges, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
6. Citibank may add to, or remove from, the list of ineligible transactions as stated in Clause 5 above at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.
7. Unless otherwise specified, all Extra Points earned by the principal and supplementary cardholders of the same Eligible Card will be accumulated under Principal cardholder’s account. All Eligible Transaction made through Principal and Supplementary cards under the same Eligible Card Account will be combined.
8. Extra Points will be credited into the Eligible Card account in 3 months after the transaction is posted.

Terms and Conditions for 2022 Citi Rewards UnionPay Card Extra Bonus Points:

1. Unless otherwise specified, the promotion period is from April 1, 2022 to September 30, 2023, both dates inclusive; based on the transaction date ("Promotion Period").
2. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards UnionPay Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
3. All local retail transactions in Hong Kong Dollars via UnionPay QR Code and Online transaction made with the Eligible Card are entitled to Extra 9X Points for which 9 Points will be rewarded for every HK$1 charged, and all local retail transactions in Hong Kong Dollars via QuickPass made with the Eligible Card are entitled to Extra 7X Points for which 7 Points will be rewarded for every HK$1 charged within the Promotion Period.
4. Online Transactions are transactions with official payment records and classified as online transaction according to the merchant codes/transaction types as defined by relevant card association or a merchant's acquiring bank. Citibank has no obligation to clarify whether an online transaction is an Eligible Transaction before the Cardholder conducts such online transaction.
5. The 2022 Citi Rewards UnionPay Card Extra Bonus Points will be capped at a total of 70,000 Points for each Eligible Card account per statement cycle (this does not pool with "3X Points" Program).
6. Extra Points will be credited into the Eligible Card account in 3 months after the transaction is posted.